LD&B Insurance & Financial Services (LD&B) is an independent and employee owned firm that provides a full range of insurance and financial services to individuals and businesses. We are proud to serve clients in the central Shenandoah Valley and throughout the United States.

Announcements

  • Our Benefits Administration division has their own website. Click here if you are looking for the LD&B Benefits Card Login.
  • Click here for tips on how to prepare for Hurricane Florence.

Our office will be closed on the following dates:

  • November 21, 2018: All locations close at 4:00pm
  • November 22-23, 2018: Thanksgiving
  • December 24-25, 2018: Christmas Eve and Christmas Day
  • January 1, 2019: New Years Day

Auto Insurance

Utilizing high deductibles on the physical damage coverages can help reduce premiums.
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Home Insurance

If you have tangible assets, you need the protection of a homeowners insurance policy.
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Business Insurance

As a business owner, you have enough on your mind without having to worry about your insurance needs.
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Health Insurance

Protecting you and your family through all stages of your life.
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Financial Services

Financial Services

Provide security for years to come with our full suite of financial services.
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Employee Benefits

Employee Benefits

Help your business attract and retain the best employees.
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Recent News & Updates

The Beginner’s Guide to Short-Term Rentals

Posted: September 25, 2018

From a stylish urban loft to a cozy country cottage… booking a short-term stay is a hot trend (and a great way to travel like a local.) Maybe you’ve considered becoming a host yourself. If so, you’ve probably wondered: Is it safe? Can I actually make money doing this? What amenities should I offer my guests? Good news: You’re asking all the right questions. Whether you’re... Read Article

Term vs. Whole Life Insurance: Which Do You Need?

Posted: September 24, 2018

Life is always changing – which is why it’s important to review your insurance needs and make sure your coverage is keeping up with your life. Whether you’re entering adulthood or nearing retirement, you may have a need for life insurance… but understanding which policy is best for you can be confusing. Let’s talk term and whole life insurance to help you find which benefits... Read Article

Homeowners Insurance: When Do You File a Claim?

Posted: September 20, 2018

Homeowners insurance is designed to cover damage to your property caused by certain covered events. It stands to reason, as you are paying your premiums, you should take advantage of available coverage. The reality is, it is not always advisable to file a homeowners insurance claim as it can lead to higher premiums or even cancellation in some cases. Underwriters tend to frown on policyholders... Read Article

Life Insurance for Single Parents

Posted: September 17, 2018

As a single parent, you want to be there for all of life’s little moments – when your kids start riding a bike, go on their first date or head off to college. Your children count on you for all those things and so much more. That’s why a term life insurance policy is something to consider as a single parent. Life insurance can give... Read Article